jennydecki-cash-money-update

It’s been a while since my last paycheck update!

Last Wednesday (not yesterday but a week and a day ago) Mr. Brickie got his paycheck and it was for a full week and he deposited that paycheck into the bank and they decided it needed to be on hold until today.

Thank everything that is good and holy I stopped paying down debt and started an emergency fund! It was that $100 that made all the difference. We fell asleep last night with $19 in the bank and woke up today with some wiggle room.

Not for long, though, because Mr. Brickie has training coming up in a couple weeks. Training is M-F, 10 hours a day. I am not sure how to budget when a week of income is going to be gone. Well, not gone, he gets a stipend and that’s great but he gets the stipend during the week of training and if there is work he will work on that Friday and get paid for that day the next Wednesday. So I have to account for living expenses for both weeks without knowing how much he is going to work in between now and then.

I’m glad math doesn’t make me squeamish. How do people who hate math even budget? I mean, seriously, I love math and this stuff gets overwhelming sometimes. Maybe people who hate math are better at not having to make huge, giant career life changes that result in potential homelessness and a metric ton of math.

We all have our gifts and talents.

The bills that I need to pay are a couple credit card minimums, the car payment, and two utilities. I’m not sure if I should pay the car payment first and then the other bills, or the other bills and then save for the car payment. The car isn’t due until the 24th.

I guess the best thing to do is pay what’s due.

Finances This Week

$700.60 In Bank
– $200.00 Living & Tolls
– $30.78 Gas Bill
– $121.86 Electric Bill
– $50.00 2 CC Minimums
= $297.96 Leftover
+ $186.14 Still on Hold @ Bank
== $484.10 Total Leftover

As you can see, this leaves either two weeks of living expenses with $84 left over … or it puts me within ten bucks of the car payment. Really, it feels like it could go either way at this point. Oh, there is also the $150 we need to pull out of the budget for the car we have on loan. It needs new brake pads and rotors. Also, I have no idea how long the bank is going to wait to release the rest of that money since they were kind enough to wait over a week to clear the last check but release most of yesterday’s check today.

I’m going to call and find out what the difference was. I think it has to do with the check total being over/under $500 and even if I do call it will help my curiosity but it won’t change anything. Checks clear when they clear. Unless I want to start paying Walmart a dollar every time I want to pay a bill in cash, this is how it’s going to be. Sometimes Mr. Brickie works at companies that have direct deposit, sometimes he doesn’t. So we have to have a bank that does not charge more for no direct deposit. It’s best in the long run.

He missed a day of work yesterday because of the weather, but also had a chance to talk to a work buddy who thinks he has a lead on winter work with a big company. So the career giveth and the career taketh away. Sometimes on the same day.

I’m really glad I started working on living in the moment before all this. If I hadn’t I can’t imagine the fetal puddle of confusion I’d be in on a near-constant basis. Don’t get me wrong, I’m scared out of my mind some days but I would rather be scared than confused. I can put one foot in front of the other no matter how scared I am. I can breathe and keep going. When I am confused I don’t know which direction to go so I stand defeated without movement. I become stagnant and hopeless while descending into distraction and lashing out against anyone I can to try and dispel some of the pressure and pain.

Fear is a much more manageable emotion.

Mr. Brickie Promotion Tracker

Hours to 60% Days Projected Date
447.5 56 11/28/2014

Projected Date does not include holidays. It is only an estimate. 

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